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Chapter 22
(without photos)
of
HOW TO EUROPE
The Complete Travelers Handbook
Internet edition.
A page from
Enjoy-Europe.com
by
John Bermont
This internet edition of chapter 22
is in 2 parts due to its large size. Subjects covered in the respective sections are:
This is Part 2
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Living in Europe. Getting settled, appliances, utilities, official business,
residence permit, good guy letter, health exam, financial fitness, student issues, mail,
shopping, metric system, banking, ATMs, checks, credit cards, bank routing number,
money transfers, television, internet, garbage, moving back home, you're fired.
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Part 1
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Moving to Europe. Getting prepared, ex-pat assistance, moving your automobile, household items,
electrical appliances, lamps, TV, telephone, fax machine, computers, single status, family status,
moving day, finding a home, furnished or unfurnished, the lease.
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Living in Europe is unlike living in America in so many ways. It's easier to
mention those things that are the same. Off-hand the only thing I can think of is that
we breath the same air, but even that could be debated.
As mentioned in the first part of this chapter I have lived in Holland, France,
Germany, and Switzerland. Some of this was single and some married with child.
Altogether it comes to about 5 years of shopping for groceries, walking to school,
driving to work, traveling, relaxing, etc., etc.
This web page will open up the practical subjects that you need to know if
you are planning to live in Paris, Amsterdam, Frankfurt, Geneva, or
any city in Europe. When you know how "the system" works over there
you will save yourself time, money, and plenty of aggravation. That
aggravation is the thing that you will remember most.
Presumably you have already read the first part of this chapter. If not I suggest that
you start here,
Moving to Europe.
GETTING SETTLED
Appliances
Once you arrive there are a number of things to get settled
right away. First off you are going to need replacements for the
refrigerator, TV, and other electrical necessities you did not
bring over to Europe. All of that American 110 volt equipment would have
been fast fried on the European 220 volt electricity. See chapter 11,
Electricity in Europe: Travel Voltage Fundamentals
, for details.
Since the ocean shipment will take three to six weeks
to arrive, you are going to be living in a hotel and eating out
initially. Start shopping the major department stores in your
vicinity for the things you need.
If you are on a company move, your European branch office
probably has special discount deals established with certain
vendors and stores, but they won't tell you unless you ask. Ours
had a deal with an electrical goods store which sold everything
from refrigerators to electric wire, and published a catalog
listing all of it. We picked out the refrigerator and had it
delivered the day after the furniture arrived. Later we went in for
a vacuum cleaner, steam iron, and all the other items. When you
buy, select major brand names so you can get parts and service
when/if you relocate to another country. We bought a great vacuum
cleaner but the company has gone out of business. Buying
replacement bags has been impossible.
Utilities
You are also going to need electrical service, probably gas
or oil, telephone, maybe cable TV, and maybe an internet service
provider. Cable internet may be less expensive than phone internet
if you use it very much. Talk to your landlord or real estate agent
about these first. He/she should be able to help you out. Also,
talk to your company's relocation or personnel officer, though
these people are not too helpful on such items and are not likely
to have much time to hold your hand. Talk to colleagues in the
office or neighbors for additional help. These new friends are
usually very helpful to new arrivals from the "States."
OFFICIAL STUFF
Permission to Live
You will need a residence permit or visa if you plan to
stay for more than three months. Obtain the application from a
consulate of the country you are going to live in. Get going on
this as soon as possible. Besides your name and other basic data,
the form asks about your arrest record, medical condition, and
means of support while over there.
Good Guy Letter
Before leaving the USA, get a letter from your home town Chief of
Police attesting that you are clean. The letter will simply say
that his office has failed to find any record of wrongdoing on your
part. Where I come from it's called a "good guy" letter and it's
all you need, but it costs $20.
Health Exam
Next, get a good health examination. This will prove that
you are not carrying some bugs into the country that will cost the
local health and welfare officers some trouble to control. When I
moved to Holland the major concern there was TB. Get a chest x-ray
and bring the doctor's statement with you.
Even though we went through extensive medical exams prior
to moving to Germany, Elizabeth and I had to go through it again
once we arrived over there. That was $600 our company wasted by
asking us to take the exams here in the first place. A couple of
weeks after my German exam I had to go back for an interview with
the doctor. She was pleased to start the meeting by announcing that
I don't have AIDS or syphilis. I was happy to hear that, but didn't
even know that she was checking.
Financially Fit
Also, get a letter from your employer or show some other
documentation that you have the means to support yourself. If you
are working over there, this implies that you also have a work
permit. Your company's personnel office should provide you with the
proper letters to verify your status for the immigration office and
for the labor department.
Where to Apply
Should you mail your application from the USA or just go
over and find the local town administrative offices to submit your
application in person? The foreign government consulate will advise
you on this. In at least some cases you are required to obtain the
permit before going over.
For Holland and Germany, I
applied after going there. I also think that this is the fastest
way of getting it done. There are always at lease two registrations
required. The immigration people want to know who is coming into
the country, and the local police want to know who is living in
town. You are going to need some extra passport photos for all of
these forms.
Staying American
As mentioned in chapter 21, "Working in Europe," you're
still liable for paying US income taxes while in Europe. You're
also still eligible to vote. Contact the nearest American consulate
for information on registering and casting your ballot to cast the
rascals out. You might have better assistance from your political
party which tries to keep its voters voting. The Republican and
Democrat parties have "abroad" organizations to help you vote.
Students
If you are going over to study, a major part of your
belongings may be books instead of furniture and appliances. Books
are small and heavy and you will be tempted to bring them as
luggage. Instead, consider mailing them over.
Just as the European postal services have a special low
rate for up to 5 kg of books to be sent surface mail (slow ship,
about three weeks), the US Postal Service has the same deal. But
they have an even better deal if you are shipping more than 11
pounds. If you are shipping a lot of books to one address you can
use the "M Bag" and ship between 11 and 66 pounds for about 75
cents per pound. They say it will take 8 to 10 weeks. My sack from
Michigan to The Netherlands was there sooner.
Go to your local post
office and inquire about the "M Bag" and which Customs forms you will
need to fill out in duplicate or triplicate. Have patience.
Postal clerks do not do this every day and are generally clueless
about "M Bags." Recently I had two different clerks
give me completely different information. The second one nearly broke into
sailor's English describing "whoever it was who gave you those forms." My
lips were sealed to prevent another assassination in a US Post Office.
Mail
Sending Mail to & from Europe in chapter 19 gives a general rundown on the
mail situation. Also, go to your local post
office after moving in to inquire about mail provisions. Each
country has its own rules.
You will need to change addresses for all your accounts. This can be problematic. The
backroom staff at banks and credit card companies is definitely bottom of the barrel.
When we moved to Germany I changed all our addresses. I didn't notice that bills stopped
coming for one of Elizabeth's accounts. About a year later I had a call from a collection
agency in Frankfurt. They had paperwork indicating that our address was somewhere in
Africa. We owed the balance, accumulated interest, and penalties. We settled up without paying
the penalties. When I moved to Geneva, Switzerland my American Express bills started going to
Geneva, Wisconsin. I was on top of that and settled with the Amex office in Geneva. Nowadays I
pay electronically through my bank and their on-line systems, but I still get hard copies
mailed to me as backup.
Magazines
There is a minor inconvenience
which you should be aware of if you subscribe to magazines. The
costs and delivery times will be different in Europe. When you
change your address to Europe, magazines follow one of the
following procedures:
a.) Keep the subscription at its present term and change
the price at the next renewal.
b.) Shorten the subscription period to compensate them for the
extra costs of postage.
c.) Send you a bill for the increased cost on the present
subscription.
If your magazine is on plan a.) above, sit
down before you open the renewal bill when it arrives. I formerly
subscribed to one of the technical magazines published by McGraw
Hill, "Chemical Engineering." The US domestic rate is $30 per year.
The rate in Europe is $177. Air mail postage is less than the
difference. What do they do with all that money?
Therefore, one of the perks you should negotiate into your
contract is remailing postage for your professional journals and
hobby magazines from your company's home office. This shouldn't be a big
burden for your employer since many companies use a weekly courier
dispatch or express shipment from the home office to their overseas
offices.
SHOPPING
Shopping for daily necessities in Europe is a bit different
than it is at home. Each country has its own peculiarities and
you'll quickly learn the local customs and rules.
A Few Examples
When we lived in Germany stores closed at 6 pm every day during the week,
except for one day when some of the stores are open later. Even on
that day, it's pretty much impossible to buy bread and milk since
the grocery stores don't follow late closing hours. The restricted
shopping hours were due to German labor laws which were changed in
2005 to allow stores to stay open later. Stores in smaller towns are not as
likely to be open late as those in the major cities. On Sunday
almost nothing is open in Germany except in airports and train
stations.
Holland is pretty much the same, except that the Albert
Heijn grocery stores are now open until 8 pm every day. And in
beach towns like Zandvoort and Nordwijk you'll find almost
everything open on Sunday throughout the year. Things sure have
changed since my first time living here in the 1970s. The country
was welded shut at 5:59 pm every day and totally on Sundays.
In France, stores generally close at 7 pm, though small
Paris markets run by Algerians stay open until 10 pm selling basic
food staples, beer, and essential household items. Bread, but
little else, can be bought on Sunday mornings in Paris. A day
without a fresh baguette would be a bad day. Supermarkets in some
cities are open on Sunday morning.
Instead of using the grocery stores, it's convenient and
interesting to use the farmers markets in Europe. These are open on
different days in different parts of major cities, or in different
cities in the regions. Ask a neighbor when the market is open, and
where.
"Standards"
Though every country has it's own peculiarities as noted,
there are some general ways of doing business which are the same in
most countries.
Meat, chicken, and fish can be bought
almost "on the hoof," or precut and wrapped in styrofoam trays and
cellophane just like at home. The cost of beef is very high
throughout Europe, and it is tough. Cattle are fed on grass and not
corn so there is little fat in the beef. Fat is what gives American
beef most of its flavor and tenderness. Invest in a meat hammer to
tenderize your steaks, then cook them fast on a very hot grill
plate or pan.
Fruits and vegetables are left out in supermarkets so customers can paw
over the goods and pick their own in most countries. Each bin of
apples, broccoli, etc. will have a number. Make a mental note and
go over to the scale, put your bag on the scale, push the button,
and a bar-coded price sticker will spit out. Slap the sticker on
the bag and put it in your cart. Some items like cucumbers,
avocados, etc., are priced by the piece. At small grocers and at stands in
outdoor farmers markets the vendor normally picks out the produce for you.
Keep your hands off the veggies!
Egg sizes in Switzerland are graded by weight, e.g., 55+
grams, 53+ grams, etc. Free range chicken eggs are also noted on
the package, and cost about 50% more than cooped chicken eggs.
A Coin for a Cart
Shopping carts generally require that you insert a coin to unlock
the chain holding it to the others. This pretty much eliminates the
need for store owners to go around the block chasing their carts
since everybody brings the cart back to the rack to retrieve their
coin, equivalent to a dollar or two.
Metric System
It's a good idea to keep the metric system in mind when
shopping. See
chapter 27, "The Metric System in Europe." Most items are
priced per kilogram, though some of the more expensive things like
meat and fish can be priced per 100 grams (the same as a hectogram)
or per 500 grams to lessen the sticker shock. Also, 500 grams is
called a pound in some areas. There is no metric name for 500 grams,
and a pound is actually 454 grams. Pricing is always in the local
currency which means that you have to do two calculations to figure
out what it costs in greenbacks per pound.
The Euro, €
In those European Union countries which have adopted the
euro, prices of most items have been given in euros since early
1999. This is really great, saving you the most difficult part of
the currency exchange arithmetic and making it easy to figure out
the cost of things, but painful once you see what they cost.
The euro became the official currency of 12 nations
and actually went into circulation on January 1, 2002. See the map and
legend opposite page 1 to determine which countries are in the "Euro Zone."
In France receipts sometimes still show the amount in the old French
franc as a point of continuity for people who have trouble adapting.
At the moment (January 2008), the euro has shot up to
$1.45. If you want to do some preliminary food budgeting
here are typical German prices from 2006. Brie cost me €27,90 per kilogram,
now about $19 per pound, ham $11.50/lb, cooked roast beef $31/lb, and apples
$1.30/lb. Maybe you will want to become a vegetarian.
Notice that a comma is usually used instead of a decimal point in European prices.
See chapter 26, Languages, Numbers, Alphabets,
for more details on the subject.
The exchange rate changes continuously. See
Money Exchange for up
to the minute exchange rates in Europe.
BANKING
Account
If you are living in Europe you probably need to have a bank
account. It is rather simple to do this since most banks are only
too happy to have another customer putting cash in their pockets.
When you sign up, make sure you get the full package of
services available, and that you can figure out (in the local
language) how to use them.
ATM Card
It is essential to have an ATM card. These work
just like those at home and let you draw cash from your account
from virtually any bank in virtually any country. But they are not
called ATM cards in Europe. More likely it will be some local
version of euro-card or euro-pass.
European Automatic Teller Machines are almost identical to those in the
USA except that they are not called Automatic Teller Machines. Each country
has its own name in its own language. For example, in Germany they are
often called Geldautomat. Geld is the German word for money. See photos
of some ATMs at Exchange Rates.
Keypads on ATMs rarely have the alpha characters. Memorize your PIN as a number.
Four digits is the standard size of a PIN in Europe.
Besides the usual magnetic strip which we have at home,
European bank cards also have a double hologram featuring the face of some
long hair guy from the last century flipping with the expiration year
of the card. This is a security feature.
Many bank cards also include a "chip." This is a copper spider-like
thingy on the face of the card. With a four digit passcode the chip allows you to use
your bank card to pay at restaurants, train ticket machines, and other
places which do not accept credit cards. The chip is favored by many
merchants who do not like paying commissions to Visa and MasterCard. The
money flows directly from your bank account to the seller's bank account.
Checks
Request some checks when you open your bank account. You rarely need these but
now and then they can save you some money since banks often charge
extra if you pay a bill without the normal check. Checks are
not the same as in America. In Europe you pay your bills at the
bank, either automatically or by check.
Most statements,
e.g. your phone bill, include a check which is already made out for
the amount of the bill and payable to the creditors account. So all
you do is fill in your account number, sign it, and take it to your
bank. Sometimes you'll receive a bill without the check form
attached. This is when you need your own checks. You fill in the
creditors account number which is on his bill, his name, name and
routing number for his bank, and a notation regarding the reason
for the payment, e.g. his invoice number. Bring it to your bank and
it is taken care of. Well, it should be taken care of but sometimes the bank drops
the ball. Follow up in a week with your creditor to make sure they got the money.
Automatic Debit
You can also have automatic electronic debit for routine bills.
I do this for my international phone bill and for my
internet service provider in Holland. You don't have to do
anything, except to keep an eye on your bills and your account.
Credit Cards
Banks also issue credit cards. You can get a local branded
MasterCard or Visa card in most countries. You may find however
that they don't work the same as in America. The charges on our
German MasterCard were automatically deducted from our bank account
every month. The banks do not carry credit balances on which they
would be charging interest. So a credit card appears to be little
more than an extended ATM card with the debit from your
account coming once a month rather than at the time of purchase.
Because credit cards are expensive, few Europeans use them.
Most large and medium size stores, restaurants, hotels, and etc.,
accept payment via your euro-bank card as noted above.
Bank Routing Number
You'll probably have a need to transfer money between the
USA and your overseas home now and then. This is when you learn a
new term — "bank routing number."
When you are transferring money between continents, the
safest and fastest way is to let the banks do it for you. So,
before leaving home for relocation, talk to your bank and verify
the data you need to make sure that everything goes
according to plan.
Every bank should (a few don't) have a bank routing number.
You will find this number imprinted on all your checks, at the
bottom next to your account number. You probably never needed this
number for anything, but the bankers need it. In Europe you will be
using that number fairly often as you get your accouont set up.
In Germany it is called the
Bankleitzahl, your "bay-el-zet" as they say for BLZ.
Money Transfer
Find out which bank, usually a monster in New York, your
bank uses for sending their international transfers. In Europe you
might get lucky and find a bank which uses the same monster bank.
This will probably speed your transfers but probably won't save you
any money. The monster bank is going to take a cut no matter what,
and the biggest cut at that. The banks at both ends are also going
to take a cut. It pays to shop around to find the lowest fee, which
will probably be at a medium or small bank since big banks got that
way through tried and proven larceny.
Other Services
Banks provide a number of other services, many of them not
found in American banks. You can buy auto insurance, for example.
I used my bank in Holland as a stock/commodity broker to buy
and sell on the Amsterdam Stock Exchange. And I did it
electronically via an internet connection to the bank's web site.
SOME POTPOURRI
Neighbors
It is not especially easy getting to know your neighbors.
People will nod or say hello if eye contact is made, but more than
that needs a good reason. When single I spent a lot of time in the
local pubs and had plenty of company. When married I had no time or
interest for that and met almost nobody outside the office. Elizabeth
got to know a few neighbors, primarily through school contacts because
Stephanie was in a German kindergarden.
Chances are that your neighbors will be watching you, and
talking with the other neighbors about you. New arrivals, no matter
where you are on the planet, are the subject of natural human
curiosity. For some of your neighbors this will be the first time
they have seen an actual American person in the flesh. Some will want to
meet you, but shyness and inhibitions will get in the way of most
of them. So the first step must be taken by you, in whatever way you
choose to do it.
A possible opportunity to get introduced can be on New Year's Eve. Traditionally
Europeans stay home on New Year's Eve. Parties, whether in restaurants,
bars, or private homes, are rare. In fact virtually all restaurants and bars
are closed on New Year's Eve in Holland. But at midnight all sparklers and sky
rockets come out and light up the sky. Wow! You have never seen so much fireworks.
Neighbors standing on the street watching
what becomes a de facto war zone actually talk to each other and may invite
each other into their home for a glass of champagne. So get ready with an extra bottle
and glasses and maybe a sweet cake. It could be the beginning of a beautiful
relationship.
Television
Our family may have been Schwartzsehers (literally
"black watchers") in Germany. Some countries impose a monthly tax
on all residences which have a TV. We never paid this in Germany
because no official asked us to. Several people in my office told
me that we should be paying, but a neighbor told Elizabeth that we
only had to pay if we had more than one TV. We preferred to accept
that interpretation of whatever law there was. Besides, public TV
in Germany for the most part is fit for corpses.
I once saw an American news report which showed a special
British police vehicle equipped with high tech electronic gear and
whose job it was to prowl residential neighborhoods scanning for
TVs by detecting the electronic waves they emitted. If the police
found anyone who had not paid the TV tax the resident had to pay a
stiff fine. George Orwell was ahead of his time.
The first part of this chapter, Moving to Europe,
provided important information about the diffenernces between American
TV broadcasting and the different broadcasting systems used in Europe.
To recap the bottom line, American televisions will not work in Europe
except on USA military bases. You will need a multi-system TV and DVD.
There is a further complication with DVDs and DVD players. The movie makers have
divided the world into 5 regions. All disks and players are coded to one region.
Disks from the USA will not play on a DVD player sold in Europe, and vice versa.
Pretty clever of those movie makers, eh? Well, thay have been outsmarted by
manufacturers selling code free DVD players. The movie makers are surely
trying new technology to thwart this breakthrough, and then it is back to the DVD
manufacturers to get around the new barricades. This technology is moving so fast that
it is not worthwhile to go into it further. Just make sure that your DVD has
specifications for 110/220 volt, 50/60 Hz, NTSC, PAL, SECAN, and is region code free.
Living Habits
Many Americans like to wash their car in the driveway on
Saturday. You'll rarely if ever see this over there. Europeans take
their motor vehicle to the car wash.
Room doors in northern Europe are normally kept closed within the
house. Rooms which are not used much are not heated because of the
high cost of gas and oil. You can catch a case of the shivvers in
Holland every winter morning just going to the bathroom. A colleague
in Germany commented once that his neighbor kept his doors open,
and he said it in a disapproving way. On the other hand, blinds are
often kept open. When you walk past a house in Holland you can often see
straight through to the garden because many houses have a
combination living room and dining room with huge windows on each.
Residential doors in France have locking systems which
remind you of bank vaults. The closest I have seen to Paris home
fortifications are those in New York City. Nevertheless, the
burglars often get in.
On moving out, renters in Switzerland are responsible for
leaving the apartment in such a condition that new renters can move
in within minutes. If not, the cost can be as bad as everything
else in Switzerland.
On moving out of our house in Germany the owner demanded new
wallpaper throughout the house. The ugly
stuff we tolerated for 2½ years was probably there for
decades. We didn't know about a clause in the lease requiring us to
leave new wallpaper. But I didn't sign the lease anyway. My company
did and they were responsible. I still don't understand this. Six
months earlier we had asked the landlord about changing the
wallpaper and he replied something to the effect that "Why do you
want to do that? You are leaving soon anyway." This was the first
indication that our three year transfer was going to be less than
three years. The company told the landlord long before they ever
intended to tell us.
Internet
Getting reconnected to the internet in Europe has been one
of my biggest hassles lately. In Holland I subscribed to a
local internet service provider (ISP) for about the same cost as
back in California. However, the Dutch phone company
charges by the minute for all calls. There is no "local calling
area" in which the calls are pegged by call, not time. Thus, an
hour on the internet can cost one or two dollars depending on the
time of day. Since it's easy to spend several hours on line and
phone bills come every two months, you can be shocked with
a phone bill of several hundred dollars.
From Switzerland I planned to stay for only a
couple of months so I did not get a local ISP. Instead I would dial
my ISP in California during the lowest cost dialing period, quickly
download my email, and then hang up. I would compose new email off
line, dial, sign on, send, and sign off - just about that quick.
Garbage
The problem of garbage disposal has become one of worldwide
environmental concern. Too much stuff is being thrown away and
there is a growing need for waste reduction. Garbage dumps, now
termed waste disposal sites, are filling up and new ones are
difficult to install so something must be done to halt the amount
of refuse generated.
Europe is just as aware, if not more so, of this problem
than any community in America. Our experience in Germany was very
interesting. We had eight separate containers for household waste
by the time we left in mid 1993. The objective was to recycle as
much as possible. We segregated all paper, plastic, clear glass,
brown glass, green glass, Bioabfall (biologically degradable
waste), and batteries for recycle or special handling. Everything
else went into the "garbage." The main reason was that our city had
run out of space in the local landfill and could not get approval
to install an incinerator due to strict environmental regulations
and the nimby syndrome. All waste which could not be recycled had
to be hauled about 300 miles east to another landfill. This was
very expensive so the recycling program was instituted.
In practice, we had various containers for each waste and
different collection schedules for each. Once a month the paper and
plastic were collected. I had to take the cans and glass to special
containers set up around the city. Every grocery store parking lot
had containers for different colored glass and cans. Glass and paper
recycling bins are prominently located thoughout most of Europe.
MOVING BACK HOME
After living in Europe, leaving is likely to bring on mild
trauma. Arriving home in the USA is going to be a let-down, and
give you a few shocks.
Unplugging
Just as when you left the USA, you'll have to send out
change of address cards, get a mover or do it yourself, disconnect
the telephone and utilities, clean house and settle up with the
landlord, say your good-byes, and go to the airport. I write this
matter-of-factly, but leaving is an extremely unpleasant thing for
me to do.
My first departure, from Holland after two years of living
there, was an event. I let my friends know I was having a going
away party at my favorite brown bar, scheduled for the night before
my flight home. After packing up my apartment into eight oak
barrels and delivering it all to the dock in Rotterdam, I checked into a hotel
owned by the father of a good friend. Then I went to the bar and
the party began. I woke up the next morning well past departure
time for my flight. I went back to the pub, whose owners Jan and
Ellie were surprised to see me, and learned that I still owed
about $50 from the night before. The total bill had come to about
$200, but that was in 1975 guilders and a significant sum in those
days. I rescheduled my flight for two days hence and scheduled
another going away party. This was not as extravagant, but I would
have missed the plane again had my friend not awakened me, almost
carried me to his car, stuffed me in, and drove me to the airport.
Our family departure went a bit smoother. Before leaving
Germany we took the maximum one-month vacation in the company car.
On returning to Aschaffenburg after the long drive back from
Istanbul I made reservations and we were on the plane the next
day. We were still a bit tired from the trip and our going away
party was a quiet affair with our best German friends on the
evening before our departure.
Don't forget to have your phone disconnected, and unplug
all the accounts you set up, if need be. You will probably want to
keep your bank account at least until your tax affairs over there
are settled.
REPLUGGING
When you return home after a couple of years out of the
country, things look the same but have a different complexion. You
have another perspective, and comparisons with your European
experiences are always creeping into your thoughts.
One of the striking things is that you can overhear and
understand conversations around you.
There are two major changes that you can do little about.
The cost of auto insurance is much higher and you have a good chance
of going on the unemployment roles.
Auto Insurance
Everything else being equal, one thing that may cause a lot
of grief on return is signing up for auto insurance again. If
you've been out of the country for six months or more, you'll be
treated as a new customer.
You start to feel like you're
at the beginning of the evolutionary chain when dealing
with auto insurance salesmen. One way to make it easier and less
expensive is to obtain a notarized statement from your European
auto insurance company that you had no accidents or claims. You
might also try to get a statement from the agency issuing drivers
licenses that you had no violations.
It would be a good idea to find out what your insurance
company's policy is before going over. You might be better off
storing your car in a neighbor's back yard and paying for minimal
insurance while you are out of the country. Otherwise, no matter
how long you had insurance before you went overseas, you'll
probably be treated as though you never had it when you come back.
You're Fired
As mentioned in chapter 21, "Working in Europe" (so here is a
redundancy worth taking note of), another thing that may affect you
is a new perspective in your job if you thought that you had one to return to.
Things kept changing while you were
out of the country, and since you were not around you were not figured
into the equations.
Both of my returns have been met with
less than enthusiasm back in the home office. On returning from
Holland, I lasted about three months before being laid off. On
returning from France, I wasn't laid off because I was
self-employed at the time. Then the problem was to re-establish client
contacts. It took a few months before I landed another contract. On returning from Germany I
lasted about eight months before the idiots threw me overboard.
My reading indicates that my experiences are not unique. In
fact, something like 25% of all Americans sent overseas by their
employers either quit or are terminated within the first year of
returning to the USA. Of our group of 7 transferred to Germany, 4
were on the street within a year of the end of their overseas
assignment.
Use this information to keep yourself alert to changes in
yourself and/or your company so that you can be prepared for the
high probability of a new job. Be especially alert to changes in
management back home. If your boss has moved on, you are probably
on the same track.
In case you missed it, the first part of this chapter
is located at Part 1,
titled "Moving to Europe."
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